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Jan 14, 2013
01/13
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that is a rich interest level in this environment. you have to wonder if the bank isn't holding on to your loan to maintain that high level of interest. i wonder if the might be worth your while to try to go to another bank and not refinance with the same company. it has become a much more difficult circumstances to get a mortgage because the banks are still recovering from all the bad loans that day made during the real estate mania. host: this idea of the debt to income ratio. that was something richard cordray talked-about. this is from american hero joe. explain this issue for us. guest: this goes to the heart of the ability to repay the loan. we do not want people taking on loans that they cannot afford to repay. 43% is the outside level. if your mortgage debt sure other debt -- car loans, credit cards -- exceed 43% of your growth or pre-tax income, then that is too much. that is a loan that is becoming too onerous and you might have trouble repaying. anything below 43% is acceptable as a qualified mortgage. anything above that s
that is a rich interest level in this environment. you have to wonder if the bank isn't holding on to your loan to maintain that high level of interest. i wonder if the might be worth your while to try to go to another bank and not refinance with the same company. it has become a much more difficult circumstances to get a mortgage because the banks are still recovering from all the bad loans that day made during the real estate mania. host: this idea of the debt to income ratio. that was...
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Jan 12, 2013
01/13
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host: the director at their center for energy and environment. and if you want to find out more about what goes on at the cei you can go to their website. we're going back to the phones and talk to gary on our line for republicans. caller: good morning. my experience with co2 is like in 1957, on the southeastern ash reel forest right there after you come out of florida. it's off to your left first after you go past the first exit to valdosta georgia. the moss was 2 feet high on the trunks. 50 years later, it was 110, 115 feet high. that's what moss, mold, middleu, pond scum. they like a little more co2. so does poison ivy, mosquitos, ticks. plants do grow better but like grapes they produce less sugar when they have higher co2. you have more yellow leaves. and i think one of the solutions would be for everybody to grow their grass longer because it would consume more co2 and produce more oxygen. you would have better water retention. aquifer regeneration, water purifyication, more lightning bugs that hate moss and slugs. host: we're going to leav
host: the director at their center for energy and environment. and if you want to find out more about what goes on at the cei you can go to their website. we're going back to the phones and talk to gary on our line for republicans. caller: good morning. my experience with co2 is like in 1957, on the southeastern ash reel forest right there after you come out of florida. it's off to your left first after you go past the first exit to valdosta georgia. the moss was 2 feet high on the trunks. 50...
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Jan 11, 2013
01/13
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it also is an environment today where there is not much inflation. if he were to compound inflation in the future, he would well understand what that would do to budgets as well. i think he hopefully is able to bring a perspective and said, let's get some long-term problems dealt with now because here are the risks. he has to be a risk manager. he has to be able to explain these things. this has not been talked about yet. i held as treasury secretary -- he has had experience around congress -- he is more of a washington person. i would hope because he has had political awareness, he would understand the significance and focus on a growth agenda. the fundamental challenge of the country is that 2% gdp growth is not adequate. we need to bump that up. historically we would be looking at 3.3%. that helps us of a lot of fiscal problems. it also helps people to work and helps families get stronger. all of that would be an enormously important thing. i think there are some policies, some of which the treasury deals with. we think having the highest corporat
it also is an environment today where there is not much inflation. if he were to compound inflation in the future, he would well understand what that would do to budgets as well. i think he hopefully is able to bring a perspective and said, let's get some long-term problems dealt with now because here are the risks. he has to be a risk manager. he has to be able to explain these things. this has not been talked about yet. i held as treasury secretary -- he has had experience around congress --...
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Jan 13, 2013
01/13
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[video clip] >> we are all products of our experience and environment. i have been tempered by the experience about war. what war means, the consequences, who has to fight it. all of that experience is part of me and how i look at policy, how i look at our foreign policy and military policy, how i judge consequences, how the world sees us, their trust in our purpose in power. no question much of the questioning i have done about iraq and was tempered by the experience in vietnam. whenever i will ever do in my life -- whatever i will do in my life, those experiences shaped me, just like anyone who has gone through war. those experiences shape you very much. it makes you less inclined to jump into war. it is easy to get into war, not very easy to get out, as evidenced by the johnson tapes. you need to think through these things. diplomacy is critically important, especially in the complicated world we live in today. i think something else is important here and a lesson we learned from vietnam. what is going to be very important for america is not to isolat
[video clip] >> we are all products of our experience and environment. i have been tempered by the experience about war. what war means, the consequences, who has to fight it. all of that experience is part of me and how i look at policy, how i look at our foreign policy and military policy, how i judge consequences, how the world sees us, their trust in our purpose in power. no question much of the questioning i have done about iraq and was tempered by the experience in vietnam. whenever...
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Jan 7, 2013
01/13
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nevwhenever thy to support the core for environment. at that time i was hired with the company. i was working seven days a week nonstop as all over corporations were installing $15 million systems like you would go out and buy a pack of gum. i think taxation against large corporations is what is part of our problem in this country right now. i believe if we would give them an incentive to be able to do that got onhighere and penalizing them for being successful, i think we would have a lot better environment economically. basically this all ties to the tax deductions that everyone is looking at, and i heard rumblings of a simple tax. well, we're not in a position right now to offer that. it sounds like a great idea, but something that would have to evolve over time. my point i am trying to make on the obama care thing, and i did not mention that, but i feel it they had a corporate tax, not a loophole, but basically a did nation tax, corporations could do a fund that would support a medical plan and the country, we would not have the con
nevwhenever thy to support the core for environment. at that time i was hired with the company. i was working seven days a week nonstop as all over corporations were installing $15 million systems like you would go out and buy a pack of gum. i think taxation against large corporations is what is part of our problem in this country right now. i believe if we would give them an incentive to be able to do that got onhighere and penalizing them for being successful, i think we would have a lot...
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Jan 10, 2013
01/13
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that kind of sets up a much more friendly environment to talk about the issues. host: fawn johnson, correspondent with national journal, we're focusing the "washington journal" this morning on issues surrounding immigration. later on, we'll talk to some reporters as well as folks on both sides of the issue right here on n washington, d.c. our first phone call is from ryan in texas on our democrats line. hi, ryan. caller: yes, how you doing? host: good. caller: i would like to say, they're not going to enforce the immigration laws. some of the people that i know out with these charges, that they're not going to follow immigration rules, just some of these guys that got these crack charges and trying to get back to their families. host: you're talking about drug charges? ok. let's go to trevor in arlington, virginia, on our independent line. hi, trevor. caller: hello. how you doing? host: good morning. caller: basically the premise of my question is, you know, everybody involved in deciding what's going to happen with immigration, you would think they would have to
that kind of sets up a much more friendly environment to talk about the issues. host: fawn johnson, correspondent with national journal, we're focusing the "washington journal" this morning on issues surrounding immigration. later on, we'll talk to some reporters as well as folks on both sides of the issue right here on n washington, d.c. our first phone call is from ryan in texas on our democrats line. hi, ryan. caller: yes, how you doing? host: good. caller: i would like to say,...